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6 Tips For Maintaining Your Mental Health When Living Abroad

Six Tips For Expatriates on Maintaining Their Mental Health While Living Abroad

Packing your bags and flying off to a foreign country to start a new life can be quite stressful at times. Leaving all the homely comforts behind can often make you feel homesick. Adjusting to a new culture where the language is a major barrier can be very difficult for everyone who is living abroad. The anxiety and stress of relocating can take a huge toll on your mental health and overall well-being.

The pressure of adapting to a new lifestyle can be overwhelming. Life abroad can be burdened with too many issues and leaving them unresolved can lead to severe depression. An Aetna International report also suggests that there is a sharp rise in mental issues including depression among expats across the globe. It is important for expats to plan in advance and be well-prepared and assess your strengths and weaknesses before you decide to start afresh in a foreign land.

Here are 5 useful tips that will assist you in maintaining your mental health when you decide to move to an expat destination of your choice:

1. Find Balance between Work and Life

If you are moving to a new place because of a job assignment, you may end up spending a lot of time working on your projects. The limited social and family life can leave you burnt out. Meeting your employer’s expectations and constantly trying to prove yourself can leave your thoroughly drained both physically and mentally.

The added pressure of adapting to a new work environment can drive you nuts. The solution to this stressful issue is finding the perfect balance between work and life. No matter how busy you are in your professional life, you will have to find the necessary time to socialize or spend quality time with your family. Create a daily routine for yourself and allocate sufficient “for me” hours. You will gradually see a marked improvement in your mental health.

2. Give Yourself Sufficient Time To Adjust

Adapting to living overseas should be a gradual process. Don’t push yourself too much when you are in the process of adjusting to a new environment. Maneuvering around a completely new place will take some time. Things will be very different from what you were used to back home. Don’t be overwhelmed by the three Cs – culture surprise, culture stress, and culture shock. Residing abroad as an expat is not like enjoying a long vacation. It can be very taxing mentally as you endeavor to overcome various obstacles.

Mental Illness

3. Socialize and Build Strong Network

Once you reach your desired expat destination, it is important to embrace its culture and customs sooner than later. Get started by making new friends in your neighborhood or office. Connecting with fellow expats who have successfully adapted to an expatriate lifestyle will boost your confidence to face all the odds. They may even offer you the much-needed comfort and encouragement when you feel down and dusted emotionally. Join various social groups to build a strong network. Having people to talk to during your lonely days is vital for maintaining mental health. Familiar faces and voices can make you feel at home even in a faraway land.

4. Exercising May Help

It is commonly known that exercise can be helpful for your mental health both at home and abroad. It has been reported that regular exercise can have a profoundly positive impact on depression, anxiety, ADHD, and more. It can be difficult to find the time to exercise, but you will feel better if you do.

Moving Abroad

4. Set Realistic Goals

Set goals that are realistic because overpromising and under-delivering can be very stressful. Meeting your employer’s expectations may be your priority, but don’t overextend yourself to achieve unexpected goals. It is always better to approach tasks and responsibilities methodically and cautiously. Don’t expect to be totally settled when you live overseas – it will take time.

5. Avoid Drugs and Reduce Alcohol Consumption

Excessive alcohol intake is always dangerous. A few pints of beer may make you feel relaxed; however, regular alcohol consumption can harm the brain chemistry and lead to acute stress and anxiety. Too much drinking can lower the brain’s serotonin levels and aggravate the symptoms of depression. Similarly, recreational drugs can harm mental and physical health. If your psychiatrist has prescribed you medication to treat your mental condition, make sure you take them as directed.

Importance of International Health Insurance

You should opt for global health insurance before you pack your bags and leave for your dream expat destination. Your host country may not have adequate public healthcare facilities and in such a situation, your insurance policy can come to your rescue. Purchasing global health insurance may help you pay for any new mental issues that mar arise during your overseas stay. Note that if you have a mental condition before you purchase your insurance, the insurer may exclude the condition or one could be declined. Most employer-based group expat health plans will cover pre-existing conditions, including mental healthcare. Also, some plans out there exclude or limit mental health treatments. In the end, try to keep yourself secure and live the expat life you have always dreamt of!

Expat Tokyo - Why you need international health insurance?

6 Reasons Why You Should Relocate Overseas

Six Reasons Why You Should Move Abroad

The traveling bug seems to have taken the world by storm. One can also call it the “expatriation bug” as people are moving abroad in increasing numbers. While there are people who are investing their time to explore new pastures for the sake of adventure and fun, there are many who are actually looking to turn it into a way of life. In fact, the idea of departing from an old and mundane lifestyle to a new beginning seems extremely inviting.

Though the very thought of beginning from scratch might appear to be intimidating initially – if you have put your mind to it, you will soon realize the amazing benefits of relocating to a foreign location of your choice. Listed below are some of the wonderful advantages of moving overseas in 2019, six to be precise:

1. Opportunity To Explore New Culture:

Moving abroad allows you to step out of your comfort zone and embark on a new journey wherein you get to explore a new country and its culture, people, food, and language that is completely alien to yours. Besides some new and stimulating experiences, you learn to set up things for yourself independently such as doing the daily chores, making a living etc. while grappling with new challenges. This gives a strong boost to your confidence, which is extremely important to settle down in a new country.

2. Better Employment Opportunities:

Though the aspects of an expat life might appear to be difficult, yet, there are several facets that make this endeavour extremely rewarding. One of the most significant reasons why moving abroad is catching up amongst people, especially millennials are promising employment opportunities. Countries such as Canada provide a perfect destination to people looking to begin a new professional journey that is extremely fruitful and rewarding.

Tokyo City

3. Strengthening of Your CV:

Working abroad will help you develop new skills that are significant to sustain oneself in a competitive job market. The skills and expertise gained abroad can make your CV look impressive and provide you with an upper hand vis-a-vis your counterparts. Who knows your prospective employer may be simply impressed by your newly formed qualities. It has been documented that taking an overseas work assignment can really benefit your career long term.

4. Better Lifestyle:

Often, folks consider relocating overseas with a vision of starting life afresh. By getting access to new opportunities, they intend to have a luxurious lifestyle, which they might have been yearning for in their home country. Countries such as the UK, Canada etc… with their advanced infrastructure, a strong economy, and low tax rates are extremely alluring for people willing to relocate.

Tokyo Airport

5. Broadened Outlook Toward Life:

Once you migrate to a new place, you tend to broaden your horizons by stepping out of the dependable comfort zone that you relied on earlier. As you meet new people, explore a new culture, taste new food, and above all travel around, you will be able to form new attributes that will broaden your outlook toward life.

6. Appreciation for Yourself:

Living in a foreign location provides you with several opportunities for self-actualization. You will learn to understand certain traits about yourself, which you were probably unaware of earlier. While some of these might leave you introspecting and improvising, some may make you adore yourself more than ever before. After all, the most important relationship a person has in their life is with themselves.

Yet wait, another reason to move abroad is to potentially earn more money. It has been reported recently that you can earn more money if you move abroad as companies employing expats often pay a salary that is higher. Multinationals often provide better benefit plans and superior global insurance coverage. You may even benefit by paying fewer taxes while living abroad.

The aforementioned reasons are just the tip of a massive iceberg, and there are many others that can fuel your zest to resettle on distant shores. However, if you are keen to write a new success story, just take the leap of faith to realize some of the most promising benefits. We would be remiss if we did not mention the importance of obtaining global health insurance coverage before you move abroad, but it is possible to get global healthcare if you are already living abroad.

Cruising

Top 7 careers for Expats in South America

Careers for Expats in South America

Planning to start a new life overseas? If you want to boost your income and travel at the same time, you’ll be happy to know South American countries and cities offer a wide range of jobs for expats. Based on your skills and qualifications, you can definitely find a decent job to take care of your expenses. We have created a list of the top 7 careers for expats in South America that will aid you in your search abroad:

1. Teach English

South America is a continent where English is not the first language; so, there’ll be many people who would invest money to learn it. You can join various language centers or educational institutions if you have a TEFL certificate. As a one-to-one private tutor, you can definitely earn more than what you would in a language center. However, you can get plenty of hours in one place and build a strong network if you work in a center for language classes. There are many companies that can place you in schools and colleges where you can also earn well

2. Get Job in Healthcare

Many South American countries have excellent healthcare schemes; so, finding relevant jobs as a doctor or nurse won’t be too difficult. As a healthcare professional, you will get enough opportunities to provide the care that is required by patients. Depending on the duration of your stay in South America, there are many placement agencies to help you get a job that suits you.

Healthcare

3. Go for Engineering Jobs

Engineers are in huge demand these days in this continent. If you have the desired degree and experience in engineering, you can expect good remuneration as well as job security in Latin American cities. From structural engineering to chemical engineering, you have many options to explore.

4. Take Up Mining Job

The bustling mining industry in South America offers an array of jobs at various levels. Whether you wish to work as an artisan or an executive, finding employment in this sector is easy as the continent is home to huge mineral reserves and producers. Apart from a rewarding career, mining professionals can expect good job security too.

5. Become a Tour Guide

As an expat in South America, you can be an educational tour director or a tour guide. You will also gain a lot of information and knowledge about the top attractions around the country and share them with the assembled tourists or students. Your wanderlust would be satiated as you travel to breathtaking tourist destinations with various study or travel groups.

6. Work in a Hostel

Hostels across South America often look for English-speaking workers, especially during the peak tourism season. During these months, hostels usually look for additional staff to help them with cleaning, housekeeping, and reception work. As a seasonal worker in a hostel, you may be able to get free lodging and food. Your long or short stint in a hostel will also offer you the opportunity to meet young and exciting faces with whom you can chat and hang out.

Abroad Hostel

7. Become Digital Nomad

Today’s young workforce love to be digital nomads, which means that they would be “working from home” and their “home” is worldwide and not constant. Graphic designing professionals, photographers, programmers, and freelance writers can easily fit into the role of a digital nomad, working from anywhere and at their own pace. You will just need a good internet connection though.

Get Prepared To Relocate

Forgoing a career in your native land and moving abroad for a better life is not an easy decision. If you are lucky enough to get a good job in your chosen destination, you will be more than happy to relocate. Don’t forget to check out the job descriptions thoroughly before you apply for jobs in South America. Plan well in advance to ensure that there are no last-minute hiccups.

Purchase International Health Insurance

Although we have created this list of the top 7 careers for expats in South America, it is still important to obtain proper global health care before relocating. No matter where you decide to live your expatriate life, or what career you decide to do, having health insurance is a must. Expat Financial can assist and guide you in obtaining a good international health insurance that would make life easier for you. You can also get a quote online to purchase a health plan that suits your lifestyle and budget.

Challenges faced by expats

5 Common Challenges Faced by Expats

Challenges that expats often encounter while living abroad – Five Plus One.

Moving abroad is often an overwhelming experience for any expatriate. The act of moving to a country that is unfamiliar to your own, a limited social network, and new cultures and languages can often feel burdensome on many people. As an expat moving abroad, there are surely going to be some challenges and obstacles when it comes to the relocation process, as well as the adjustment period once relocated. Many people will react to the stress in different ways as challenges will vary depending on location, cultures, languages, personal mannerisms and general customs of the country. However, there are a few common challenges that most expatriates encounter when relocating. We have put together a list of the 5 most common challenges faced by expats in order to aid in your settlement into your new country and allowing you to enjoy this adventure to the best ability possible. Note that the challenges below are in no particular order of importance.

Challenge #1: Fitting in

As an expatriate moving abroad, there is a big chance that you are leaving a large social & professional network back home. This can have a huge effect on someone, especially if you are someone that places a high significance on these relationships. Don’t fear, you are definitely not the first, nor the last expatriate to have the fear of not fitting in properly in your new city.

Challenge #2: A language barrier

If you are moving to a country that has an entirely different language than your own, the process of getting accustomed to your city and the locals may seem daunting. This is something that is ultimately unavoidable if you don’t know the local language beforehand. Read all about our advice on learning a new language while living abroad in order to facilitate the process, and jump-start the learning curve for your new life abroad! We do recommend trying to learn a rudimentary level of the foreign language before you take off, as it will facilitate the entire process of moving overseas!

Challenge #3: Being lonely

Don’t let the fear or the potential of being lonely prevent you from embarking on a new adventure and impede your decision to become an expatriate in a foreign country. It is extremely common for a new expat to feel lonely when they first move abroad. A key point to target when you relocate to a foreign country is to build strong relationships with the people around you. This will surely take some time, but it is important to try your best to form some bonds with the people and the city in which you now call home.

Challenge #4: Finances & money management

Organizing your finances, taxes and money management can be extremely difficult when you are living in your home country but adding overseas travel and living abroad to the mix, and things get very complicated. As an expatriate, you will have to decide if you will become a non-resident for tax purposes by talking to an expat tax expert – do not try to do it on your own. We have a list of some great expat tax advisors at our Links page. You will also have to advise your bank that you will be living abroad and probably have to set up new banking in your new home country. Most countries will want to see your visa documents and also some proof that you will be living there. It may be useful to keep your bank account back home as well. Having a bank account in your new host country in the local currency will still be invaluable and probably save you on foreign exchange. You may also have to move your investment account as well, so talk to your investment advisor and tax accountant to see what solution works best.

Challenge #5: Healthcare 

Making sure you have proper global health insurance while living abroad is one of the biggest concerns that many expatriates worry about when it comes to relocation. Local plans in your new host country may not be up to your standards and may only provide basic coverage and access to local hospitals. Most expats want to have access to private healthcare both in the host country, regionally and also for treatment back home. Having an international health insurance plan in place before leaving abroad will alleviate stress with finances, ability to obtain medical help and peace of mind for the duration of your relocation. Contact us today to discuss all your international insurance needs!

Challenge #6: Safety 

Yes, I know we said only 5 challenges, but we really needed to add expat safety to the article. As discussed in our expat safety page, personal safety is a very high priority for individual expats and expatriate employers and global mobility managers. While the world is safer now than it has been in the past, today’s security concerns and challenges range from terrorism, bombings, assaults, thefts and much more. It is vital that expats prepare for the worst when moving abroad and check out the local security in their new home country through both free and even paid information sources. Even expat destinations in first world countries can be fraught with danger – such as the terrorist attacks in Europe and mass shootings experienced in the USA. Expat safety should definitely be your priority if you are moving abroad or already living the expat life.

healthiest countries

The top 10 healthiest countries to be an expat

A guide to the top 10 healthiest countries to be an Expat

Countries all over the world offer a variety of appealing aspects that may drive expats to relocate there. In recent studies, 6 of the top 10 most healthy countries in the world to live in are situated in Europe. Factors that were considered for the study were life expectancy rates, tobacco use and obesity rates.  Note that any list is somewhat arbitrary and subjective, but here are the top 10 healthiest countries to be an expat for 2019 are the following (in no particular order):

1. Iceland

Iceland has been regarded as one of the healthiest places to live (outside of Europe) for multiple reasons. The population of Iceland live off of a farm-to-table philosophy, meaning they believe in eating foods that are naturally abundant and fresh. They also have phenomenal governmental policies that regulate industrial pollution and encourages businesses to use clean, renewable and sustainable energy sources that aid in the well-being of the countries health standards. The local population has also said that they believe that “Water therapy” is a reason that contributes to their happiness and health. Water therapy is when you sit in the waters on the natural hot springs found all over Iceland, and allow yourself to relax in the volcanically warmed waters. Another very important reason as to why Iceland had made it to the list is their gender equality policies. Iceland was the first country to fully remove the gender gap pay and is a leading country for all gender inequalities for the world.

2. Switzerland

Switzerland has long been known to be one of the happiest and healthiest countries in the world. The way of life encourages a healthy diet and an active lifestyle. One of the reasons Switzerland is famous for is investing in its population. Government spending is budgeted for high standards of education, excellent health care and for innovations for the country. A well-balanced lifestyle has allows the people of Switzerland to be one of the countries with the lowest level of depression in the world.

Switzerland

3. Spain

Why put Spain on the top 10 healthiest countries list? Spain has one of the highest life expectancy rates, and it continues to increase as the years go on. Environmental factors, such as access to clean water and sanitation, a Mediterranean diet, minimal use of tobacco, and low obesity rates are just a few other reasons why Spain continues to be a desirable and healthy country to live in. Spain is also known for its close and important familial ties and bonds that are ingrained into the local population. This, of course, isn’t the main reason why Spain tends to flourish, but it definitely is an important factor.

4. Norway

Norway has also been placed on the top 10 healthiest countries to live in. In a traditional Scandinavian way of life, Norway places a high value on a well balanced, active and healthy lifestyle. Another key point that drives Norway to the top of the list is shorter working hours, where employees are almost never required to work past 4 p.m., as well as a cultural environment that minimally encourages the drinking of alcoholic beverages.

5. Italy

The importance of leisurely dining and a well-balanced diet is extremely common in Italian culture. As the Italians say, always chose quality over quantity. It is common for Italians to source their food, oils and spices from local and non-commercialized sources. Their focus on a Mediterranean diet, which emphasizes local fruits, vegetables, oils, and fish, is also sourced as a core reason as to why Italy has continuously made it to the list.

Italy

6. Sweden

A second Scandinavian country to top the list of the healthiest 10 countries to live as an expat is Sweden. Known for a lifestyle of moderations (food & alcohol), Sweden is famous for living under the philosophy of “Lagom”, which indirectly translates to English as “not too little, not too much, just the right amount”. This allows the population of Sweden to live a casual lifestyle, eat in variation and walk everywhere.

7. Israel

The Israelian population flourishes in a culture that promotes a vibrant lifestyle, spirituality and a positive healing environment. They focus on an extremely healthy, fresh and delicious diet that promotes the well being of the nation. Their healthy eating habits and lifestyle is one of the main reasons why Israel is one of the leading countries for life expectancy rates in the world. The emphasis on family and family values are also leading causes for the countries health prosperity.

8. Japan

The first of two Asian countries to be recognized as one of the healthiest countries to live in in 2019 is Japan. One of the main reasons Japan is highly regarded for its health standards is due to their diets and lifestyle. Japan has one of the highest life expectancies in the world, which is due partly to its green landscapes, its family values, and its well-balanced eating habits.

Japan

9. Singapore

The second of two Asian countries that have made it to the top 10 healthiest countries to be an expat in 2019 is Singapore. Leading with one of the highest life expectancy rates in the world, Singapore has continuously considered as being one of the most sought out countries to live in as an expatriate. Singapore is well known for being extremely safe and has some of the best food in the world.

10. Australia

Known for the Gold Coast and beautiful sandy beaches, Australia has continuously been placed on the list for the healthiest countries to live in as an expat. Complete with a sport and outdoor culture, Austalia is one of the most active and adventure seeking countries in the world. While some may indulge in a bit too many Fosters and shrimp on the BBQ, this outback country is an excellent expat destination. The country is well known for it’s laid back lifestyle – the Australian population is known for being mostly healthy and happy!

 

Although these countries are listed as being the top 10 healthiest countries to live for an expat, it is still crucial that you obtain international health insurance if you are planning on pursuing an international relocation. Staying healthy is not easy, but everyone gets sick or has an injury at some point in their lives – that is why it is critical for you to prepare for the worst by obtaining global health coverage that will be there when you need it!

Contact us today at info@tfgglobal.com to discuss your international insurance needs and requirements.

Thailand

Thai Expat Guide to Eating and Living Healthy

A Short Guide to Living and Eating in Thailand for Expats

People need to be independent in order to succeed when living outside of their home countries. If an expat gets ill, they may have to rely on themselves to get by when trying to recover from the medical conditions.  As such, expats need to be extra careful when caring for their health. We have created a Thai expat guide to eating and living healthy for expatriates overseas. One of the ways expats can care for their health is by ensuring that they eat healthily and lead healthy lifestyles. The list of tips to eating healthy and living healthy lifestyles for expats is extensive. Below, though, are just some of the tips expats may refer to in eating healthy and living healthy lifestyles if they are based in Thailand:

1. Monitor all caloric intakes, even the small ones 

Oftentimes, intakes of small doses of calories are the ones that add up quicker than the intake of larger doses of calories. Expats need to ensure that they only seldom eat fast foods. Eating small doses of junk foods often adds up to more than the large doses of calories taken by larger meals, without expats realizing of its effects. It’s important to also remember caloric intakes from beverages. Often these are forgotten about, but they have the potential to add up quickly in someone’s diet.

2. Host healthy physical activities with fellow expats & other colleagues

Expats can surely benefit from weekly group physical activities with fellow expats and other colleagues, examples of these activities are yoga, aerobics, and so on. Expats may initiate hosting these activities in gyms or local community centers. Once organized, expats can invite larger groups of colleagues to participate in order to create a healthy and social activity for everyone.

Physical Activity

3. Participate in other travel programs that employers may offer

While working in Thailand, Expats do not need to confine themselves to Thailand for the duration of their stay. If other opportunities to travel for work come their way, it is encouraged for expats to explore surrounding countries. Seizing the opportunities to travel to Singapore, Malaysia, or Hong Kong for work shall prevent Thai expats to have idle physical activities only. Expats will have opportunities to move out and about, and thus, be more physically active, while travelling extensively.

4. Continue eating a consistent healthy diet

It is always better for expats to continue eating in a healthy manner, ideally in the way they have always previously been accustomed to. Expats need to be resourceful in finding proper stores in Thailand that sell the healthy foods which they previously ate back in their home countries. Expats will need to invest efforts and patience in order to succeed in locating these stores in Thailand. Down the road, though, expats shall realize that the efforts they invested in doing this are well worth it in the long run.

Healthy Fruits

Our informal Thai expat guide to eating and living healthy is a rudimental approach for staying healthy while living abroad. Expats currently need not settle with the ways they are living their lives and eating the foods they love to eat. They need to always be open to any alterations which they may need to apply to their lives in order to eat and live healthy lives. Thailand offers excellent food choices for expatriates and locals alike. Don’t be afraid to indulge in local food chocies. In the long run, expats are the only people who may benefit from these choices themselves, and once they reap the fruits of eating and living healthy lifestyles.

For extra protection, ensure that you have an international health plan in place that will provide you with extra security in case you fall ill. Knowing that you have proper medical care will allow you to live a more comfortable and stress-free life. For your international health care needs, contact Expat Financial to discuss all your personal needs today!

Healthy Living

What to consider when you are relocating abroad

Relocating abroad will almost always involve finding somewhere to live, looking for a new job, and finding schools for your children. With so many things to consider, it is often easy to overlook something as important as international health insurance. In this article, we explain what to consider when you are relocating abroad, and we will explore the international health insurance that you will want to take with you when relocating abroad.

The Importance of International Healthcare

The most important factor in your plan to relocate is to acquire an appropriate international healthcare plan. The most common misconception regarding this topic is that you can take your domestic healthcare plans with you when you relocate. In fact, when you leave your native country, most domestic health insurance plans are voided. From an insurance company’s point of view, an expat is no longer a resident in their home country when living abroad and therefore no longer entitled to domestic coverage.

Another misconception is that as soon as you move to a new country, you will be entitled to local healthcare coverage from the state; however, this is not always the case. In addition, healthcare standards in many destinations are often inconsistent and lesser than the standards of your home country. It is also critical that you seek out expert advice when seeking international health insurance, especially if you have any pre-existing conditions which require coverage.

Relocation considerations aren’t only measured in terms of financial costs of living, such as moving expenses and cost of living, but one must also keep in mind the adaptations of language requirements and cultural differences. It is critical that you prepare appropriately for your various needs; however, without international medical insurance, an unexpected injury could cripple your financial situation.

Heart Rate

Find what’s best for you

Finding the right international medical insurer is an extremely complex issue. There are many different levels of healthcare around the world, as well as vastly changing local regulations. It is subsequently very important to ensure you’ve selected an international health insurance plan that fully protects you and your family.

Expat Financial offers a variety of international insurance health insurance plans on a group or individual basis. To maximize your expat experience and avoid unforeseen risks and costs, please contact us today to discuss your international insurance needs and requirements. Our toll-free number: 1-800-232-9415 or email us at info@tfgglobal.com.

Expat Careers

Top 10 Expatriate Careers in 2019

Learn About the Top Ten Expatriate Careers in 2019

The decision to move abroad has been made, and the process of organizing your checklist of tasks to accomplish before taking off has begun. There will surely be lots of things to consider while planning your move abroad; however, one task that should be high on your list will be your search for a job. Securing a job will facilitate your move by securing funds, increasing your local network, facilitate your ability to rent an apartment and so on.  We have created a list of the top 10 industries for expats working abroad to help you discover where you’ll prosper! It is important to remember which opportunities are best for you and where you believe will allow you to call a new city home.

1. Hospitality

The hospitality industry is known for its social and high energy environment. If you are looking for a career that allows you to explore new cultures and to fully immerse yourself in the day to day life of local natives, hospitality is the job for you. With the advantage of being diverse and flexible, jobs within the hospitality industry – such as working in a restaurant or a hotel – are a wonderful way to join the community and understand local traditions, cultures, and way of life.

2. Resort Staff

Living in a resort is a dream for many people, however few can experience the opportunity due to high costs. If this sounds familiar to you, or you simply are looking for a new adventure, then working in a resort may be your best option! Working abroad in a local resort has an amplitude of benefits, such as wonderful accommodation, food service and the beautiful sceneries. There is no limit to where your resort stays may bring you – whether that be the beautiful African Sahara or the stunning beaches in Greece.

3. Tourism

The tourism industry is the perfect balance for people who are continuous adventure seekers but also want the stability of a career. If travelling is one of your biggest passions, a wonderful benefit of getting involved in the tourism field is that it allows you to help others fulfil their biggest dreams and desires to travel the world. The flexibility of working in tourism is another important benefit to consider. If you prefer an office position while on your downtime for travelling, you can easily obtain a job for a local travel agency; however, if you prefer to maintain an active lifestyle you can find jobs as a flight attendant or a tour guide.

Tourism

4. Education

Joining the education field is always a satisfying and enjoyable opportunity. There are many options that one can take as an expatriate that is wanting to get into education. Whether you decide that private tutoring is the way for you, or take the more traditional approach and teach a full classroom, both options will surely satisfy your teaching desires. Teaching abroad is a wonderful opportunity to expand your skills as it allows you to work with a diverse group of people, as well as allows you to expand your experiences and connections with those in your new community.

5. Au pair

An au pair is someone who moves in with a family and takes care of the children and some basic household needs. It is a fantastic opportunity for young adults to experience a new city while helping a family. Typically, a host au pair family will pay all the expenses for the worker (lodging, food, weekly allowance etc.) in return for the help of au pair. It is particularly popular for families looking to incorporate a new language into the family, as they will often bring in an au pair from a foreign country that can teach a new language. An important aspect of being an au pair is to ensure that you have discussed expectations of hours to work, time off etc. in order to avoid any complications down the road!

6. Nursing

Working abroad as a nurse is an amazing opportunity to gain new knowledge and expand your experiences in the field. Working in a new country will allow you to treat patients from different backgrounds and new techniques in the medical field. As rewarding as a nursing job abroad is, it is important to note that you will need to be a registered nurse in your home town in order to transfer to a nursing job overseas. Transferring to a new country may require an entrance exam for the country, so make sure to do all the proper research before making the move.

7. Photography

What better way to expand a photography portfolio than to jump into a career in photography while living abroad. The opportunity to gain new insights and designs from a new environment will surely bring new creative designs and looks for anyone’s portfolio. Another advantage of starting a job in photography is that you often have the ability to work as a freelancer – meaning you are less likely to be tied down to a standard 9-5 career.

Photography

8. Marketing & Public Relations

If you see yourself as a more creative person, a job in marketing or public relations could be the best option! In a field that thrives in a dynamic and continuously changing environment, marketing allows someone to fully integrate their own personality and values into their jobs. With the field of marketing vastly growing, the number of international jobs that are readily available for expatriates moving abroad is on the rise and have proven to be extremely successful and enjoyable for new workers.

9. Business

With the movement of today’s global industries, the international approach for many companies is becoming very predominant. As these companies continue to expand, the opportunity to interact with international clients is rising in popularity. A wonderful way to strengthen your professional profile is to jump into the business field and learn how to communicate and interact with a largely diverse population. Business opportunities can take you anywhere in the world – whether it is getting into the finance industry in Denmark or the fashion industry in France, you have the chances to travel the world while advancing your career.

Business

10. Teaching a language

Last but not least, one of the amazing jobs you can do while working abroad is teaching English. In today’s day in age, English has become one of the leading languages to learn, and many foreign parents and young adults are on the hunt for professional English tutors. The opportunity to choose just about anywhere in the world, the ability to travel, and work digitally are just a few of the benefits of this amazing job field.

Don’t Forget Global Health Insurance When You Work Abroad

Before you take on any career abroad, it is important to obtain global health insurance coverage through your employer’s global benefit plan or an individual expat healthcare policy that will fully cover your medical expenses and those of your partner and family members. Medical expenses can be extremely expensive overseas or medical care and health coverage may be substandard locally. Your work abroad may also take you to different locations where a domestic policy won’t cover you or you may move from one expat destination to another. Contact our firm to learn more about the excellent international health coverage that we can source for you today.

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Five most costly cities for expatriates living abroad

When talking about cost-of-living overseas for expatriate employees, it is not just exchange rates of currency, cost of food or groceries, but also housing costs. According to a recent Forbes’ survey result, the five most expensive real estate markets are Hong Kong, Mumbai, Beijing, Shanghai and London. In this article, we will discuss the five most costly cities for expatriates living abroad.

  1. Hong Kong, CHN

HongKong Expat Insurance

Hong Kong is considered one of the most successful financial centres around the world. It owns advanced medical care system,  promotes an active lifestyle and provides an excellent educational system. According to the Demographia International Housing Affordability Survey of 2016, Hong Kong‘s property market is the world’s most unaffordable. As stated in Mercer‘s Cost of Living Survey, Hong Kong is the most expensive in the Asian Pacific region. According to a local real estate site HongKongHomes.com, you should expect to pay around HK$ 55,000 per month (equivalent to ~ USD $7086.4 monthly) in order to rent a two bedroom, two bathrooms apartment with a saleable area of 953 sq.ft. If you would like to own the apartment, the price increases to HK$ 24,000,000 (~ USD $3,092,245.44).

2. Mumbai, IN

Mumbai Expat Insurance

Surrounded by sea on three sides, Mumbai is the most populous city on the west coast of the Indian peninsula. Mumbai is listed among the most costly cities to buy real estate in. As being one of the most international cities of India, Mumbai has pleasant weather and advanced health care facilities. With job opportunities offered, increased expatriate migration and investment buyers that are willing to reside in the city has consequentially driven up the demand for property in Mumbai.

3.Beijing, CHN

Beijing Expat Insurance

The second Chinese city that is considered to be one of the most expensive cities in the world to live in as an expatriate is Beijing. Beijing is China’s capital, as well as its political and cultural centre. Known for its influential culture, Beijing has been known to be an extremely popular destination for expatriates moving overseas. According to the National Bureau of Statistics of China, Beijing is in continuous demand for real-estate investments, resulting in increasing high costs of living. Apart from real-estate costs, Beijing also has one of the most expensive healthcare systems, especially for non-native residents.

4. Shanghai, CHN

Shanghai Expat Insurance

The third Chinese city that has made its way to be one of the leading most expensive cities in the world to live in is Shanghai. Located on the central coast of the country, Shanghai has become one of the leading financial hubs of the world. The importance and ability to conduct business in Shanghai have transformed the city to be an expatriate hot spot. With continuous growth and demand, the cost of living has skyrocketed in the last few decades. Don’t be surprised to see an average, furnished one-bedroom apartment costing $3,000 CAD/month.

5. London, UK

London Expat Insurance

London has long been one of the most popular, and therefore most expensive cities to relocate as an expatriate. London is known for its rich history and remarkable agriculture, as well as being a city that can please all needs. Whether you are interested in art, culture, food or adventure, the city has it all. As a leading destination for expatriates, the significant increase in population has caused a substantial surge in living expenses, such as accommodation, transportation and food & entertainment.

 

If deciding to relocate to one of the above cities, it will be very important to ensure that you have proper medical coverage while abroad. Living in one of these cities will cost you a substantial amount of money, you’ll want to ensure that you don’t have to worry about any unforeseen medical expenses. At Expat Financial, we can offer a wide range of expatriate health insurance plans designed specifically for expatriates of any nationality around much of the world. For additional information, contact us at info@tfgglobal.com or click here for a quote today! 

 

Expat Locations

Becoming a Global Citizen

The opportunity to live a life as a global citizen is one that is appealing to many people. It involves a life of adventure and new experiences. If deciding to become a global citizen, it is important to understand what it takes to successfully take on the opportunity in which you are given and facilitate the transition period. Let’s dive into what it means to be a global citizen.

Health considerations

As many concerns arise about making the decision to become a global citizen, health considerations are likely to be at the top of your priorities before moving. Taking care of your health while living abroad will be one of the most important and crucial steps to ensure a successful and blissful lifestyle.

Global health insurance is highly recommended for anyone living or travelling abroad. The advantages of global health insurance go far beyond basic medical care. It will alleviate any added stress or concerns about medical coverage while travelling abroad, as well as facilitated payments, coverage regions and standard of care.

At Expat Financial, we offer plans from basic in-hospital plans to in-hospital and out-patient plans. We are able to provide various plans from several different insurance companies in order to find the right fit. Contact us today by email at info@tfgglobal.com or click here for a free online quote. 

global medical

Culture adaptations  

Depending on where your global adventures take you, there is a high chance that you will be relocated to a country that will likely lead to a degree of culture shock. The important thing here is to stay as open-minded as possible. Locals will gladly teach you their culture and welcome you into their country, as long as you are willing to immerse yourself in the community.

A useful type for overcoming culture shock is to learn the local language as well as possible. This will allow you to engage with more locals and feel less alienated when exploring and appreciated the new city in which you call home.

Location is key

When it comes to choosing where you want to relocate, there are many different considerations to remember. First, it will be important to understand the local culture and what it will mean to connect with the locals as an expatriate.

A second aspect that is very important will be to find an area that has low crime rates for your safety – whether that is choosing, in general, a safe city or specifically a safe neighborhood. Explore our region & city guides to discover which regions are the best fit for you!

A third factor that is important in choosing a location will be to know what the tax policies are for your incoming country. Many countries have different ways in which they tax their local employees, and as an expatriate living abroad, it will be very important to know the local taxation policies.

Thinking For Abroad

Get involved in local politics and policies.

As important as it is to immerse yourself in a local community, it will be equally as important to immerse yourself in the local politics and policies that are relevant to your new home. Knowledge of local politics will help you understand a multitude of important factors, such as taxation, governance, community values and elections, as these will all be crucial in your development in the community.

It is important to note that it is not recommended to get involved in politics in all countries, and it is important to research beforehand and look into political stability before diving into local politics, especially if you are not a citizen of your new country. Getting involved in politics as an expat in many countries, especially ones with little or no human rights protections, can be very dangerous.

Apart from local politics and policies, we also recommend having a general understanding of global politics, specifically with countries that directly affect your new city. This will allow you to stay aware of external factors and policies that may alter the way in which you engage with your community.

Keeping in touch

Lastly, after making the decision to become a global citizen, it will still be important to stay connected with your roots back in your home country. This can come with many challenges, including adjusting to time zones, whether or not you are in a Wi-Fi efficient zone or keeping this priority top of mind. It is important to keep in touch with members back in your home country in order to maintain and facilitate the transition, as well as keeping in touch with your own mental health.